Traditional Culture Encyclopedia - Weather forecast - What is the difference between the high temperature insurance introduced by Zhongan and the previous smog insurance?

What is the difference between the high temperature insurance introduced by Zhongan and the previous smog insurance?

The high temperature insurance introduced by Zhongan is an insurance that sets a certain number of deductible days in each city, and subsidizes those who buy insurance when the number of high temperature days exceeds the deductible days within the time limit. Recently, many people compare this high temperature insurance with the smog insurance that was stopped before.

As far as I know, "smog insurance" takes the potential cardiovascular disease caused by AQI exceeding the standard as the insurance target, but if there is a direct causal relationship between air pollution and cardiovascular disease, especially if insurance products pay for potential physical injury, the insurable interest is flawed.

In this way, the insurable benefits of high temperature insurance are more clear, because extreme high temperature weather affects everyone to varying degrees, and the cost of living increases, such as the expenditure on utilities, the rise in vegetable prices, and the increase in the consumption of cooling supplies in summer. Zhongan high-temperature insurance, which is popular on the Internet recently, has actually been running in foreign insurance markets for many years, mainly targeting hundreds of millions of ordinary people, and each person receives a high-temperature subsidy of several yuan to dozens of yuan to compensate for the usual expenses. This low-cost and wide-ranging insurance product is very suitable for sale through the Internet. This can also be seen from the recent hot sales of high temperature insurance.